This thread is good as I just stumbled it. Was looking for a intregrated and rider plan and have yet to decide...

Just a question if anyone can help to answer. Why buy in such early age when one can less prone to hospitalization? Might as well buy a bit later and save up in the Medisave. Once the Medisave limit was hit, the excess will be transfer to Special account.

When you buy young, you have less (or none) pre-existing medical conditions which will be excluded by the insurer. And the status will remain even until you're in your 60s, 70s. If you buy later ie: in your late 30s or 40s, then you'll be likely developing some pre-existing (whether you know it or not), which will be excluded by insurer. Ticking no in all the questions doesn't mean you're covered for everything. The insurance company are expert in digging your medical history and you'll be getting a shock when your claim is denied due to pre-existing medical conditions.

Also, when you're young, if for any reason you need to be hospitalized for some terrible illness (ie: cancer) I believe you will want to be getting the best treatment possible. Hence the need for good integrated plan.

Buying insurance is as per the meaning of the word. Prepare for the worst but hope for the best.